Raiffeisenbank: Ukuxhaswa kweRefifisisenbank: Ukuphendula

Ukubolekwa kwemali kuthathwa ixesha elide. Akubona bonke ababolekayo abakwazi ukuhlawula amatyala abo ngexesha elifanelekileyo, elibangela iingxaki ezininzi. Ukuba ngaba kunjalo, unako ukulungiswa kwiRaiffeisenbank. Le nkqubo ibandakanya ukuhlawula umboleko ovulekile kwiimigaqo ezifanelekileyo. Imali ithathwa ukuhlawula umboleko okhoyo kwenye ibhanki. Le nhlangano inika izimo ezivunyelweyo kubbolekayo.

"URaiffeisenbank" ithathwa njengowona owaziwayo ngoku. Ngoncedo lwayo, uluntu lubonisa iintlobo ezahlukeneyo zemboleko. Izimo ezifanelekileyo zibonelelwa kubathengi abakhona nabatsha. Enye yeenkonzo ihlaziywa, ifanelekile kubaboleki bemboleko, abaye baqhuba kakubi imeko yabo yezezimali.

Ndingayenza ntoni ukuba imeko yam yezezimali ibuhlungu?

Akubona bonke ababolekayo abakwazi ukubala ngokuchanekileyo amathuba emali. Umzekelo, ngokulahlekelwa ngumsebenzi okanye xa kukho ukugula kunzima ukuhlawula iimbopheleleko ezithathwe. Ukuba awuhlawuli ngexesha, ke:

• Iintlawulo zihlawulwe;
• Ukupheliswa kokuqala kwekhontrakthi kwenzeka;
• Iinkampani zenzelwe ukuhlawula ityala;
• Kukho iinkqubo zomthetho.

URaiffeisenbank uvumela ukuxazulula ubunzima bexesha elifutshane ngokuhlawula ityala. Ukuba umthengi unengxaki yesikhashana, kufuneka uxelele ibhanki malunga nomhla wokuhlawula. Oku kufuneka kwenziwe ukuba ityala lingekho ngaphezu kweentsuku eziyi-90.

Iinkonzo zenkonzo

Ukuba ubunzima bude, kufuneka usebenzise isicelo kwi-bhanki ngesicelo sokuhlaziya. Isigqibo senziwa emva kokufunda ulwazi malunga nomxhasi, inkqubo yesikweletu, ubunzima. Ngokuncediswa kokuhlengahlengisa uya kufumana:

• Ukwandisa ixesha loboleko;
• Ukunciphisa iintlawulo zenyanga;
• Ukukhupha imali mboleko ngenzuzo.

Inkonzo inokusetyenziswa ngabaxhasi abakhona bebhanki, kunye nababolekayo kwamanye amaziko emali.

Iimeko

Udla ngokuphindaphindiweyo kwi-"Raiffeisenbank" yokuhlaziywa kwemali. Ngaphansi kwesivumelwano esitsha, iimeko ziya kwamkeleka. Iimeko ziquka:

• Isixa esiphezulu sokubaluleka siyiminyaka engama-25, ukuba isibambiso sinikezelwa yipropati, kunye neminyaka eyi-15 kunye nemithwalo engenanto yokuthenga imali;
• Ixesha elincinci lonyaka omnye;
• Imboleko inikezelwa kwiiruble;
• Azikho iikhomishini zokuqwalasela kunye nokwenza izigqibo;
• Udibaniso usebenza njengomgca;
• Imali idluliselwa kwi-akhawunti eyayivulelwe umxhasi ngenxa yale njongo.

Ukubetha

Ukuhlaziywa kwakhona kwiRififisisenbank kuqhutyelwa kwinqanaba elibaluleko lixhomekeke kwinjongo leyo eyadluliselwa ngayo. Ipesenti iyahlukahluka kubo bonke ababolekisiweyo - yonke into ichongwa ukuba ingaba ngabaxhasi abaqhelekileyo.

KwiRaiffeisenbank, ukuhlaziywa kwemali yokubolekwa kwemali kuqhutywe ku-11,9% de ukubolekwa kwemali mboleko kwibhanki. Emva koko umlinganiselo wehla ukuya ku-10.9%. Ukuba imboleko ayijoliswanga, ke izinga liya kuba li-17.25% ngonyaka. Ukuba isivumelwano sisayinwe kwiintsuku ezingama-45 emva kokuvunyelwa kwebhanki, umxhasi uhlawula i-0.25% inzala. Ngoko ke, kungcono ukuba ungalibali.

Isixa

Ubuncinane kunye nobuncinci bemali esekelwe kwisiseko semali esinikezwe. URaiffeisenbank unikezela ukuthatha i-ruble ezigidi ezingama-26. Inani eliphantsi lixhomekeke kwibhalansi yokuhlawula imali.

Calculator

Ngaba ndifanele ndihlaziye imali yam kwiRififisisenbank ngo-2017? Konke kuxhomekeke kulolu hlobo lwemali mboleko, kodwa okokuqala kufuneka uhlawule nge-calculator ye-intanethi, ekhoyo kwiwebhusayithi esemthethweni yebhanki.

Kubalulekile ukuzalisa idatha ngemali, inzala kunye nexesha. Ukusebenzisa i-calculator, uya kuba nako ukubala inani lokuhlawula. Oku kuya kugqiba ukuba ingakanani imali iya kuba yincinci xa usebenzisa uncedo lwebhanki. Kwakhona kuya kubakho ukuseka ubukhulu beentlawulo ezingaphezulu.

Impawu zoKwakha

Xa abolekayo benelisekile ngemigqaliselo yemali-mboleko yangoku, kukho indlela yokuphuma: ukuhlaziywa kwiRaiffeisenbank. Ungabonisana nomntu okanye ngefowuni. Ingcali iya kuphendula yonke imibuzo, ngoncedo lwe-imeyile ungathumela ikopi yamaxwebhu. Okanye bazinikezele ngokwabo kwiofisi efuphi.

Xa ucingisisa isicelo, abasebenzi bebhanki banokuqhagamshelana nomxhasi ukucacisa ulwazi abanomdla kuzo. Ngamanye amaxesha, umboleki uyafuneka ukuba angenise amaxwebhu angezelelweyo, ukwandisa intlawulo yokuqala, ukuvala iimali-mboleko ezikhoyo. Kukho izicelo zokwamkelwa kweminye imimiselo kunye neemali zetyala. Umxhasi akufanele akhuphe ngeempendulo, njengoko unokucinga ngale nto, uze wenze isigqibo.

Isicelo sithathwa iintsuku ezi-2-5 zokusebenza. Ngeli xesha, i-solvency yomboleki ihlolwe, ulwazi olongezelelweyo lukhankanywe, amaxwebhu ahlolwe. Ukuba impendulo ilungile, umqeshwa webhanki uyazisa umxhasi malunga nalo, kwaye uchaza nokuba yimaphi amaxwebhu ayadingekayo. Ukuba ukwala kwaziswa ngezizathu zokungavumi.

Yintoni eya kwenzeka emva?

Emva koko umhla wokusayinela uxwebhu uyavunyelwana. Usuku olungaphambili, umphathi udibanisa nomboleki. Emva koko kufuneka uhlawule umsebenzi wenkoramari ukuba uqinisekise amaxwebhu.

Xa isivumelwano sisayinwe, imali iya kudluliselwa kwi-akhawunti yakho kunye nebhanki kunye nomboleki. Ukubhaliswa kokubambisana kwenziwa ngeentsuku ezingama-60, xa ipropati idlula phantsi kokhuseleko lwebhanki. Umxhasi uhlawula ukubhalisa kunye nomsebenzi karhulumente, i-inshorensi.

Amaphepha

Ukuhlaziya kwiRaiffeisenbank, kufuneka uqokelele la maxwebhu alandelayo:

• Ingxelo echaza injongo yokuhlaziya.
• Ikopi yamaphepha eepasipoti yomthengi kunye nababoleki.
• Ingeniso yemali.
• Ikopi yencwadi yomsebenzi.
• Ubunini.
• Ikopi yesivumelwano somboleko.
• Ikopi yomqulu.

Izidingo

Ukuhlawulwa kwemali kuRaiffeisenbank kuya kwenzeka xa iimfuno zidibene. Ingeniso yabaxumi kufuneka ibe ngama-ruble ayi-15 amawaka, kunye nakwezinye iindawo-ii-ruble ezingama-20. Kwaye ababolekisi abalingana nabo balinganiselwa kuma-ruble ayi-10. Ababoleki-mali bangaba ngabafazi, izalamane, ukuba ipropati yabo isebenza njengokhuseleko lomboleko.

Iimfuno ziquka:

• Ubudala ukususela kwiminyaka engama-21, kwaye ngexesha lokuhlawulwa - kungekho ngaphezu kweminyaka emihlanu;
• Ubumi beRussia Federation okanye elinye ilizwe;
• Indawo yokuhlala kunye nommandla kwindawo apho ibhanki ikhona;
• Ukubhaliswa kummandla;
• Amava omsebenzi weenyanga ezili-6 kumsebenzi wokugqibela, kunye nomyinge we-1 unyaka;
• Ubukho befowuni;
• Imbali yeebhanki ezithembekileyo kwaye akukho mali engabikhokhelwa ku-Raiffeisenbank okanye eminye imibutho engekho ngaphezulu.

Iimfuneko zokukhuseleko

Kubalulekile ukuba ube nesibambiso ngaphambi kokufaka isicelo sokuhlaziya imali yokuthenga imali e-Raiffeisenbank. Iingqinisiso zibonisa ukuba kukho iimfuno kwipropati esebenza njengobuncwane. Ibhanki inqume uluhlu lwemimandla apho i-estate ingabakho khona.

Isibambiso kufuneka sihlangabezane neemfuno ezilandelayo:

• Ukubonelela ngendawo yokuhlala, njengoko phantsi kwesivumelwano sangaphambili;
• Ipropathi ayifanele ifakwe ngaphandle kwebhanki-mboleko;
• Ukubhaliswa ngokusemthethweni kwelungelo lepropati;
• Ukuhlawulwa kwembopheleleko yangaphambilini kwenziwa emva kokubhaliswa kokudluliselwa kokukhuseleko kwento;
• Ipropati ayifanele isetyenziswe ngabasithathu.

Kuphela ukuba imithetho ekhankanywe ngasentla iya kuhlaziywa kwiRaiffeisenbank. Ubu bungqina bubungqina bokuba kusekho imfuneko ukuya kubukhulu bendawo yokuhlala, indawo yendlu, indlu, imeko yabo, ukuthengiswa kwempahla.

Intlawulo

Ukuba inkonzo ikhutshwe, umboleko uhlawulelwa kwizitofu ezilinganayo. Isixa sabo sinqunywe ngemali yemali ekhutshiwe, ixesha, inzala. Ngoko ke, kumthengi ngamnye, kuya kuhluka. Unako ukwenza imali ngebhanki, ii-ATM, amakhadi eplastiki. Imithetho efanayo iya kusebenza ngetyala eliqhelekileyo.

Ukuhlawulwa kwangaphambili kwenziwa ngaphandle kweekomishoni ezongezelelweyo, kufuneka nje ufake isicelo emva kokuba wenze imali efunekayo. Emva koko, kuyimfuneko ukususa ingqungquthela kwisibambiso.

Unako ukwenza iintlawulo ngendlela efanayo nangomboleko oqhelekileyo. Kukho iindlela zokudlulisela imali ngaphandle kwekhomishini, umzekelo ngeATM. Ngabo, intlawulo ikhawuleza.

Ikhredithi yabathengi

Ukuhlawulwa kwemali kuRaiffeisenbank kubantu ngabanye ukuba kunokwenzeka ukuba umboleki-mboleko umbolekiweyo. Inkonzo ikhishwa iminyaka eyi-1-15. Ukunikezelwa okunjalo kusebenza ngeenjongo ezahlukeneyo, ngaphandle kweenjongo zoshishino. Imali ikhishwe kwikhuseleko le-estate, elikhutshwe ngobunini bomntu.

Kukho ithuba lokufaka isicelo semali mboleko kuma-17.25 ekhulwini xa umthengi ungumvuzo. Isilinganiso esinjalo sivunyiwe emva kokubhaliswa kwesibambiso. Ngaphambi koku, isalathisi esincinci sisi-18.25 ekhulwini.

Imali mboleko

URaiffeisenbank wenza ukulungiswa kwemali-mboleko evela kwamanye amabhanki kwimeko apho umboleko okhutshwe ukuthengwa kwemoto. Inkonzo iyafumaneka kubantu ngabanye. Ulwazi malunga nalo kwiwebhusayithi esemthethweni yebhanki. Ngokuxhomekeka kwimihlobo yemoto, izinga liya kuba ngama-17-18 ekhulwini. Inkonzo iya kufumaneka kuphela xa isithuthi sibhalisiwe njengebhondi kwi-transaction.

Imali yokuThengwa kwemali

Nangona iimali-mboleko ezininzi zikhutshwa kwi-ruble, ukulungiswa kwemali mboleko kwiRaiffeisenbank ngabantu ngabanye kuya kwenziwa ukuhlawula ityala ngemali yangaphandle. Kufuneka kuphela ukuthobela iimfuno ezisetyenziswayo xa wenza ukuthengiswa rhoqo.

Ukuhlawulwa kwemali yee-mortgages zemali kungahluka. Ireyithi iya kuba ngama-10,5-12 ekhulwini. Kufuneka kukhunjulwe ukuba inkonzo iqhutyelwa kwimeko apho umboleko-mboleko oyintloko ubhaliswe kunye noRaiffeisenbank. Imali-mboleko ekhutshwe kwenye imibutho, ukhetho alufumanekanga. Injongo yalo kukutshintsha imali yemali mboleko ngaphakathi kwebhanki.

Umbono womthengi

Phakathi kwintsimi yabathengi bebhanki, unokufumana ezininzi iimpendulo ezintle malunga nenkonzo. Inceda ngokwenene kumzuzwana onzima, kufuneka usebenze ngokukhawuleza. Kuyacetyiswa ukuba ufake isicelo sokuhlaziya xa kunzima imeko yezemali, kwaye kungekhona xa kukho ezininzi iinkohlakalo. Emva koko, ke iintlawulo ziya kuhlawulwa, ngaphandle koko, kukho ukungavunywa.

Abaninzi abakbolekayo benza inkonzo yokunciphisa inani leentlawulo ukwenzela ukuba babe nemali eyaneleyo yokuhlala. Abantu bayonwabile ngeendlela zokubala iintlawulo. Kodwa iimeko ezithile zifumaneka kwibhanki xa usebenzisa.

Kwiziko lewebhu kukho ingxelo eninzi malunga nokuba abathengi beebhanki benza iimali-mboleko ezingenakulungele. Bafumana ukuhlawulwa kwemali enkulu. Emva koko indlela yokuphuma ihlaziya.

Iingenelelo kunye nokungalunganga kokuhlaziywa

Ukuxhaswa kwemali kuthatha ukuba umthengi ufumana iimeko ezintle kunezo afunyenwe ngazo mboleko ngaphambili.

Izinzuzo zenkonzo ziquka:

• Ukuhlolwa ngokukhawuleza kwesicelo;
• Ukubonisana nomphathi ngefowuni;
• Ubukhulu obuphezulu bokuvunyelwa;
• Uncedo kuzo zonke izigaba;
• Iimeko ezimnandi;
• Ukunciphisa iintlawulo kunye nokwanda kwithuba;
• Ukutshintshwa kwemali yangaphandle kwilizwe likazwelonke.

Iimigodi ziquka:

• Ukuqokelela amaxwebhu omboleki, abagcini bemali, kunye ne-real estate;
• Iindleko zokuvavanya, umsebenzi we-notary, ukubhaliswa;
• Ukuhlawulwa kwangaphambili kwibhanki yangaphambilini kunokuba kuhle.

Ngokutsho kokuphononongwa, kubonakala ukuba abaninzi bathanda inkonzo yokucoca, kuba ivumela ukuphucula imeko yezemali. Kuye, kukho ithuba lokunciphisa intlawulo okanye ukwandisa ixesha. Oku kuya kuba luncedo kubantu abanenkinga yemali enzima. Abaqeshwa bakaRaiffeisenbank bacebisa aboboleki kuyo yonke imiba, ngoko akufuneki kubekho ubunzima bokubhalisa.